The only way to judicially "discharge" a debt is to complete a bankruptcy through either chapter 7 or chapter 13 of the U.S. Bankruptcy Act.

The final Order in such a preceeding, signed by the Bankruptcy Judge, orders that all debts listed by the debtor are "discgharged".There is much confussion as to the effectiveness of "debt consolidation" services offered continuously on the television.

Most of these services offer much, and deliver little, while demanding that the consumer/debtor pay a substantial amount "up front" as the service fee for such services.

The “statute of limitations” is the time period that a creditor or debt buyer has to sue you on a credit card debt. If the statute of limitations has “run”, no litigation can be filed on a consumer credit card debt.

The statute of limitations is a very important credit card debt defense to be considered in deciding how to fight a credit card lawsuit, but must be pleaded early in the litigation process to be utilized.

There are two key dates in considering the statute of limitations on a credit card debt:

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The Law Offices ofRichard Groves

Richard Groves has been practicing law in Arizona for 35 years and has specialized in Consumer Law Litigation for the last 10 years representing consumers in both state and federal courts. He is also the President of the Arizona chapter of the National Association of Consumer Advocates.